There is a chance that CA aggressive regulatory environment will severely hamper these activities.  

If we are to be successful and reach our minimum goal of 15% profit on sale price, we will have to do one or more of the following:Buy the land for $65,000-$70,000 discountBring down the cost of construction to $85-$90/sqft, which would be challenging if we are doing a high quality, energy-efficient constructionSell the home at the high end of the comparables at around $725,000, which seems doable in the right market environment since it is a new construction and will be a high quality, energy-efficient homeOf course, the profit does not take into account my salary as a general contractor for the job, which is factored into the $308,000 figure. 

Now in a new environment where I am not Senior Director (with all the answers lol) I can't find anyone who will assist me even a little so I can get off the ground?!

When it comes to the comparison of manufactured homes and site-built homes, they both use the same building materials in the construction phases and the cost is lower, the difference is that the manufactured home is built in a controlled factory environement where quality of construction is invariably superior to what can be done outdoors.

The example you used of the husband being added to the wife's account only works if it is converted to a joint account.As to adding the rental history and other non-traditional trade lines, Fair Issacs has already said they are going to adjust the models to either exclude or severely reduce any positive impact those provide.However, all of this is moot in the current lending environment.

Then after signing the tune changes and when the time comes they will work with you probably but will not say how.The truth is they will not know the lending environment then so can't stick themselves to something concrete today.This is why unless you are doing a value add or know you are holding for a short term the longer fixed term loans are better.I would take the 4.35% for seven years if it's fixed for the whole term all things else being equal.

But they are great way to make some great returns in this low interest rate environment, long as you can stomach the fluctuations and keep an eye on the dividends as they tend to vary by qtr...best regards,Chris

That same environment just doesn't exist here, so of course things are spreading more slowly.

If I were in my early twenties, I'd be investing heavily in all assets that do well in inflationary environments, ie real estate, stocks, gold, commodities.  

Not only is EVs better for the environment/climate change but it's better for your wallet!